TWI813066B - Method for remote identity authentication and verification contract and apparatus thereof - Google Patents

Abstract

A method for remote identity authentication and verification contract includes: 1) a customer end logging in to a designated website to online fill in customer information and upload a designated file by a financial end; 2) the financial end using artificial intelligence technology to search for network data based on the customer information to generate a customer due diligence report and/or a suspected beneficial owner list; 3) the financial end informing the customer end of a verification contract time; 4) the financial end and the customer end confirming the identity of a legal or natural person through video communications on mobile devices; 5) if the customer end is the legal person, the financial end further confirming the identity of a person in charge through the video communications with the customer end on the mobile devices; 6) the financial end and the customer end performing a remote verification that can be carried out by multiple persons versus multiple persons in multiple segments through the video communications on the mobile devices; 7) the financial end and the customer end performing a remote contract through the video communications on the mobile devices; 8) after receiving a witnessed electronic document, the customer end printing out the witnessed electronic document to generate a paper document, affixing a seal to the paper document, scanning the sealed paper document to upload to the financial end, and sending the sealed paper document to the financial end.

Description

Methods and equipment for remote identity authentication and security signing

The present invention relates to a method and equipment for identity authentication and security signing, and in particular, to a method and equipment for remote identity authentication and security signing through the Internet.

In existing financial services, such as loans, purchasing financial products or insurance products, for security reasons, financial operators will require customers to go to the financial service counter in person or send business personnel to the customer's location for identity authentication and insurance signing. However, due to the recent impact of the COVID-19 epidemic, customers cannot go to financial service counters in person, and financial business personnel cannot go to customers to conduct identity authentication and insurance signing. Therefore, a remote identity authentication and insurance signing through the Internet is needed. methods and equipment and still achieve safety considerations.

The purpose of the present invention is to propose a method and equipment for remote identity authentication and insurance signing through the Internet without the need for the customer to go to the financial service counter in person or to send business personnel to the customer to perform identity authentication and insurance signing, and Safety considerations can still be achieved.

In order to achieve the above purpose, the present invention proposes a method for remote identity authentication and insurance signing, which includes: 1) The client logs in to the designated website to fill in customer information online and uploads the designated file on the financial side; 2) The financial side uses artificial intelligence based on the customer information Technology searches online data to generate a customer due diligence report and/or a list of proposed substantial beneficiaries and stores them in the financial system; 3) The financial terminal notifies the client of the guarantee time; 4) The financial terminal and the client conduct audio and video communication through mobile devices Confirm the identity of the legal person or natural person; 5) If the client is a legal person, the financial terminal further conducts audio and video communication with the client through the mobile device to confirm the identity of the person in charge; 6) The financial terminal and the client conduct audio and video communication through the mobile device and can be executed by multiple people Remote guarantee for multiple people in segments; 7) The financial client and the client conduct audio and video communication through mobile devices to perform remote signing; 8) The client receives the electronic document after witnessing, prints out the paper document and uses the printed , then scan and upload it to the financial terminal, and send the printed paper document to the financial terminal. Among them, 4) The financial terminal and the client conduct audio and video communication through mobile devices to confirm the identity of the legal person or natural person, including: 4-1) The client runs the client application on the mobile device and takes a photo of the original legal person registration certificate or natural person identity certificate ; 4-2) The financial terminal holds the mobile device and runs the financial terminal application to receive the images sent from the client application to record and take screenshots; 4-3) The financial terminal mobile device retrieves data from the financial terminal system to confirm the legal person registration certificate Or whether the original of the natural person's identity document is the same as the information provided by the government agency; if the client is a legal person, the financial end will further compare whether the seal is the same as the original seal retained by the bank. 5) If the client is a legal person, the financial terminal will further conduct audio and video communication with the client through the mobile device to confirm the identity of the person in charge, including: 5-1) The person in charge of the client runs the client application on the mobile device and photographs himself, continuing The identity document is compared with the person and the action is carried out according to the instructions of the financial terminal; 5-2) The financial terminal holds the mobile device and runs the financial terminal application to receive the image sent by the client application to record and take screenshots; 5-3) Financial terminal The terminal tags identification information of the client person in the image based on the list of pseudo-substantial beneficiaries, and the financial terminal application captures the location information of the client person based on the information on the client's mobile device. 6) The financial terminal and the client conduct audio and video communication through mobile devices to perform remote safeguards that can be performed by multiple people against multiple people, including: 6-1) Client personnel run the client application on their mobile devices and film themselves , compare the identity document with the person, and follow the instructions of the financial terminal; 6-2) The financial terminal holds the mobile device and runs the financial terminal application to receive the image sent by the client application to record and take screenshots, and the financial terminal The client person in the image is marked with identification information, and the financial application captures the client person's location information based on the information on the client's mobile device. 7) The financial terminal and the client conduct audio and video communication through mobile devices to perform remote signing, including: 7-1) The financial terminal provides online electronic documents and instructions, provides the client with review and electronic signature, and records the customer's electronic signature. and take screenshots; 7-2) After the signature of each electronic file is completed, the financial terminal marks the digital evidence on the electronic file to generate a witnessed electronic file; 7-3) The financial terminal emails all the witnessed electronic files to client.

The invention also proposes a device for remote identity authentication and insurance contracting, which includes at least one client mobile device, at least one financial terminal mobile device and a financial terminal host. The client mobile device includes a client login module, a client invitation module, a client communication module and a client disabling module. The client login module is used to allow users to use client mobile devices based on account numbers and one-time passwords. The client invitation module is used for reservation and invitation management of guaranteed time. The client communication module is used for audio and video communication with financial mobile devices. The client-side disabling module is used to disable recording and taking screenshots, and prohibits retaining any data on the mobile device. The financial terminal mobile device includes a financial terminal login module, a financial terminal invitation module, a financial terminal communication module, a financial terminal signature module, a financial terminal tag module, a financial terminal location module and a voice tag module. The financial terminal login module is used to allow users to use financial terminal mobile devices based on account numbers and one-time passwords. The financial side invitation module is used for reservation and invitation management of guaranteed time. The financial terminal communication module is used for audio and video communication with the client's mobile device and transmits images to the financial terminal host. The financial side seal module is used to retrieve the original bank seal from the financial side host for comparison by users of financial side mobile devices. The financial side marking module is used to mark identification information of client personnel in the image based on the list of pseudo-substantial beneficiaries. The financial terminal location module is used to capture the location information of the client's personnel based on the information of the client's mobile device. The voice tagging module is used to identify and tag specific voices in images. The financial host includes search module, reporting module, forensic module, integration module and digital evidence marking module. The search module is used to search online information based on customer information through artificial intelligence technology. The reporting module is used to generate a customer due diligence report and/or a list of pseudo-substantial beneficiaries based on the searched network data. The forensic module is used to perform basic credit and money laundering prevention preliminary checks based on customer information. The integration module is used to integrate and organize the images and voice tags of multi-person versus multi-person segmented long-distance protection. The digital evidence marking module is used to mark digital evidence on the signed electronic document to generate a witnessed electronic document.

In order to make the above and other objects, features and advantages of the present invention more clearly understood, preferred embodiments are described in detail below along with the accompanying drawings.

Please refer to Figure 1. Figure 1 is an architecture diagram of a device for remote identity authentication and insurance contracting according to an embodiment of the present invention. Equipment for remote identity authentication and security contracting includes at least one client mobile device 1, at least one financial terminal mobile device 2 and a financial terminal host 3. The client mobile device 1 and the financial client mobile device 2 are, for example, mobile devices with camera lenses such as mobile phones or tablet computers. Each client mobile device 1 is installed with a client application (application, APP for short) and is controlled by the client personnel. To hold and use, each financial terminal mobile device 2 is installed with a financial terminal APP and is held and used by financial terminal personnel; the financial terminal host 3 is, for example, one or several server computers and is installed with a financial terminal system. The client mobile device 1, the financial terminal mobile device 2 and the financial terminal host 3 communicate with each other through the network 4. In this embodiment, the client mobile device 1 and the financial terminal mobile device 2 can directly communicate with each other through peer-to-peer (P2P) encryption technology, without going through the financial terminal host 3, which can alleviate the financial terminal host 3 load.

Please refer to Figure 2. Figure 2 is a flow chart of a method for remote identity authentication and security signing according to an embodiment of the present invention, which can be applied to the equipment for remote identity authentication and security signing shown in Figure 1. Please refer to Figure 1 and Figure 2 at the same time. In this embodiment, the client is a corporate legal person, the financial terminal is a banker, and the financial terminal provides financial services for client loans. Client personnel include accountants, borrowers (generally the person in charge of the company) and guarantors, while financial personnel can include business personnel and audit supervisors.

In step S11, the client logs in to the designated website to fill in customer information online and uploads the designated file on the financial side. In this embodiment, the accountant on the client side logs into the financial client's designated website through any computer device (for example, including the client's mobile device 1) to enter the corresponding web page. The web page will instruct the user to gradually fill in the customer information and upload the financial client's designated file. Among them, customer information includes the name of the legal person, unified number, address, telephone number, etc. The designated files on the financial side include a copy of the change registration form, and may further include a copy of the 401 statement, a copy of the passbook, a 10% shareholder list, etc. as needed. After the financial system receives the client's application for loan financial services, it will first conduct a preliminary review of basic credit and money laundering prevention through, for example, the Financial Joint Credit Reference Center based on the customer information. Only if the preliminary review is passed will the next step be continued.

In step S12, the financial end uses artificial intelligence (AI) technology to search online data based on customer information to generate a customer due diligence (CDD) report and a suspected beneficial owner (SBO) ) list and stored in the financial system. In this embodiment, the financial system uses multiple independent application programming interfaces (APIs) to search internal and external networks based on the unified number of customer information in just a few minutes through AI technology. Data, and capture and analyze internal and external data to automatically generate CDD reports and SBO lists. Among them, the CDD report provides information on whether the client company's operations are normal, import and export revenue, number of insured persons/payment status, rejected bids and litigation, etc. It also color-codes risks to remind attention, and records any verification time one by one to comply with legal requirements. . The SBO list provides a static equity structure diagram resulting from the shareholding relationship between all related companies of the client company, and calculates the one that directly or indirectly holds legal person shares or capital exceeding a preset ratio or holds the highest cumulative equity as the pseudo substance Beneficiary (SBO) solves the problem of financial industry operators identifying the multi-layered and complex equity of the actual beneficiary. After the financial end system generates the CDD report and SBO list, the financial end personnel read and judge the customer's qualifications before proceeding to the next step.

In step S13, the financial terminal notifies the client of the guarantee time. In this embodiment, the financial terminal APP is installed on the financial terminal mobile device 2 held by the financial terminal personnel, and the financial terminal APP can be run to send the guarantee time to the client personnel. The client mobile device 1 held by the client personnel will be required to enter the corresponding webpage through the website designated by the financial client, for example, to download the client APP and install it, and the client APP can be run to receive the guarantee time from the financial client. The financial side personnel and the client side personnel can communicate with each other through the financial side mobile device 2 and the client mobile device 1 to reserve and invite guarantee time.

In step S14, the financial terminal and the client conduct audio and video communication through the mobile device to confirm the identity of the legal person. In this embodiment, step S14 includes steps S141 to S143. In step S141, according to the guarantee time, the financial side business staff runs the financial side APP on the financial side mobile device 2, clicks on the client accountant for audio and video communication, and requires the client accountant to produce the original of the legal person registration certificate. When the financial terminal and the client conduct audio and video communication through mobile devices, the financial terminal APP can provide text, pictures or videos to guide the financial terminal business personnel how to guide the client personnel to complete the required processes, and the financial terminal business personnel can also send Instructions such as text, pictures or videos are sent to the client APP and supplemented by verbal instructions to guide client personnel through the required process. The client accountant holds the client mobile device 1 to run the client APP and takes a photo of the original of the legal person registration certificate. In step S142, the financial side business staff holds the financial side mobile device 2 and runs the financial side APP to receive the images sent from the client APP and record and take screenshots. For example, the entire process is recorded and the screenshots are taken at specific times such as when the original copy of the legal person registration certificate is presented. In particular, the client APP will control the client mobile device 1 to prohibit recording and taking screenshots, and will only send images to the financial APP without retaining any data on the client mobile device 1; the financial APP will control the financial mobile device 2 Provide video recording and photo screenshots, but after the case is completed and the temporarily stored video and photo screenshots are sent to the financial system, the temporarily stored video and photo screenshots will be deleted, or the temporarily stored video and photo screenshots will be cleared automatically after a limited period. Take screenshots without saving any data on your mobile device; this prevents data from being stolen or leaked. In step S143, the financial side business staff holds the financial side mobile device 2 and runs the financial side APP to call up the information searched in step S12 from the financial side host 3 to confirm whether the original of the legal person registration certificate is the same as the information provided by the government agency; in addition, , and also retrieved the bank's original seal data from the financial terminal host 3, and compared whether the seal on the original legal person registration certificate is the same as the bank's original seal. Only after the financial side business personnel confirm that the original of the legal person registration certificate is consistent with the information provided by the government agency, and compare the seal on the original legal person registration certificate with the original seal retained by the bank, the confirmation of the legal person's identity will be completed before proceeding. Next step.

In step S15, the financial terminal and the client conduct audio and video communication through the mobile device to confirm the identity of the person in charge of the legal person. In this embodiment, step S15 includes steps S151 to S153. In step S151, according to the guarantee time, the financial terminal business staff runs the financial terminal APP on the financial terminal mobile device 2, clicks on the client person in charge for audio and video communication, and requires the client person in charge to produce the original of the identity document. The person in charge of the client runs the client APP on the client mobile device 1 and takes a picture of himself, compares it with his/her identity certificate, and follows the instructions of the financial client's business personnel. Perform actions according to the instructions of the financial terminal business personnel, including changing postures or moving positions, pronouncing Chinese, English or numbers provided by the financial terminal, and providing real-time images of the company's house number, office or nearby street scene according to the financial terminal's requirements, so that the financial terminal business personnel can confirm The identity and authenticity of the person in charge of the client. In step S152, the financial side business staff holds the financial side mobile device 2 and runs the financial side APP to receive the images sent from the client APP and record and take screenshots. For example, the whole process is recorded and compared with the identity document of the person in charge of the client, etc. Take photos and screenshots at specific times. In step S153, the financial side business personnel use the financial side APP to mark the identification information of the client personnel in the image according to the SBO list. The identification information includes the name, identity and shareholding ratio of the user of the client mobile device 1, thereby recording and taking photos. This identification information will appear when taking a screenshot for subsequent processing and review. In addition, the financial APP captures the location information of the client's personnel based on the information of the client's mobile device 1. The location information of the client's personnel includes geographical longitude and latitude, predicted address, and Internet Protocol (Internet Protocol, IP) address for subsequent use. for digital evidence. The financial side business personnel will proceed to the next step only after confirming the identity of the person in charge of the legal person.

In step S16, the financial terminal and the client conduct audio and video communication through mobile devices to perform remote security that can be performed by multiple people against multiple people. In this embodiment, step S16 includes steps S161 to S163. In step S161, according to the guarantee time, the financial side business personnel hold the financial side mobile device 2 and run the financial side APP and respectively click on the client personnel related to the remote guarantee (in this embodiment, the borrower and the guarantor) to conduct audio and video communication. , and require relevant client personnel to produce originals of identity documents. The client borrower and the guarantor respectively hold the client mobile device 1 to run the client APP and take pictures of themselves, compare the identity documents with themselves, and follow the instructions of the financial side business staff, so that the financial side business staff confirms the client The identity and authenticity of the borrower and guarantor. In one embodiment, the financial side business personnel can conduct audio and video communication with the client borrower and guarantor respectively at different times. In another embodiment, financial-side business personnel can conduct audio and video communication with client borrowers and guarantors at the same time; financial-side APP can provide various operation interfaces, such as displaying a certain client staff in full screen and providing quick switching of screens. Switch to full screen to show another client person, or split the screen to show some or all client people at the same time. In step S162, the financial side business staff holds the financial side mobile device 2 and runs the financial side APP to receive the images sent from the client APP and record and take screenshots, for example, record the entire process and take pictures and screenshots at a specific time. In step S163, the financial side business personnel use the financial side APP to mark the identification information of the client personnel in the image according to the SBO list, so that the identification information will appear when recording videos and taking screenshots for subsequent processing and review. In addition, the financial APP captures the location information of the client's personnel based on the information of the client's mobile device 1 for subsequent use in digital evidence. The financial side business personnel will proceed to the next step only after confirming the identity of the client personnel related to remote guarantee.

In step S17, the financial terminal and the client conduct audio and video communication through the mobile device to perform remote signing. In this embodiment, step S17 includes steps S171 to S173. In step S171, the financial side business personnel provide the online electronic file and the explanation, provide the client personnel related to the remote contract (in this embodiment, the borrower and the guarantor) to review and electronically sign, and record the electronic signature of the customer. And take screenshots, for example, record the entire process and take screenshots at specific times such as the electronic signature of the borrower and the guarantor on the client side. In this embodiment, the online electronic documents include electronic documents such as loan contracts, IOUs, etc., such as PDF files. In step S172, after the signature of each electronic file is completed, the financial terminal APP marks digital evidence on the electronic file to generate a witnessed electronic file. The digital evidence includes the name of the client person, geographical longitude and latitude, IP address, date and time, where Time includes hours, minutes and seconds. In step S173, the financial-side business personnel e-mail all the witnessed electronic files to the client-side personnel (for example, the client-side accountant).

In step S18, the client receives the witnessed electronic document, prints out the paper document and seals it, then scans and uploads it to the financial terminal, and sends the printed paper document to the financial terminal. In this embodiment, the client accountant receives the electronic document after witnessing, prints out the paper document, and allows the relevant client personnel (in this embodiment, the borrower and the guarantor) to print it. Then, the client staff scans the printed paper documents into electronic files and uploads them to the financial system, and sends the printed paper documents to the financial staff. Finally, after the financial side business personnel receive the printed paper documents, they review them and submit them if there are no problems so that the loan operation can be started. In this embodiment, the financial end review supervisor can hold the financial end mobile device 2 and run the financial end APP to call up the entire video of any step or the screenshot taken at a specific time from the financial end host 3 for review, and start the loan operation if there are no problems in the review. . In addition, the financial side review supervisor can also hold the financial side mobile device 2 to run the financial side APP to observe during any of the aforementioned steps.

Please refer to FIG. 3 . FIG. 3 is a flow chart of a remote identity authentication and insurance contracting method according to another embodiment of the present invention. It can be applied to the remote identity authentication and insurance contracting equipment shown in FIG. 1 . Please refer to Figure 1 and Figure 3 at the same time. In this embodiment, the client is a natural person, the financial client is an insurance company, and the financial client provides financial services for the client to purchase insurance products. Client personnel include the guarantor, and financial personnel include business personnel and review supervisors. In addition, when the applicant and the insured are not the same person, the client personnel may also include the insured.

In step S21, the client-side guarantor logs in to the designated website to fill in customer information online and uploads the financial-side designated file. In step S22, the financial system uses AI technology to search network data based on customer information to generate a CDD report. In step S23, the financial side business personnel notifies the client of the insurance applicant and/or the insured's insurance time.

In step S24, the financial terminal business personnel conducts audio and video communication with the client applicant and/or the insured through the financial terminal mobile device 2 and the client mobile device 1 to confirm the natural person identity of the applicant and/or the insured. In this embodiment, step S24 includes steps S241 to S243. In step S241, the client applicant and/or the insured hold the client mobile device 1 to run the client APP and take a photo of the original of the natural person's identity document. In step S242, the financial terminal business staff holds the financial terminal mobile device 2 and runs the financial terminal APP to receive the images sent from the client APP to record and take screenshots. In step S243, the financial terminal mobile device 2 retrieves data from the financial terminal host 3 to confirm whether the original of the natural person's identity document is the same as the information provided by the government agency.

In step S25, the financial side business personnel and the client's applicant and/or the insured conduct audio and video communication through the financial side's mobile device 2 and the client's mobile device 1 to perform remote insurance coverage that can be performed by multiple people on multiple segments. . In this embodiment, step S25 includes steps S251 to S253. In step S251, the client applicant and/or the insured use the client mobile device 1 to run the client APP and photograph themselves, compare the identity documents with themselves, and follow the instructions of the financial service personnel. In step S252, the financial terminal business staff holds the financial terminal mobile device 2 and runs the financial terminal APP to receive the images sent from the client APP to record and take screenshots. In step S253, the financial side business personnel mark the client personnel in the image with identification information through the financial side APP, where the identification information includes the name and identity of the user of the client mobile device 1. In addition, the financial APP captures the location information of the client's personnel based on the information of the client's mobile device 1 .

In step S26, the financial side business personnel and the client proposer and/or the insured conduct audio and video communication through the financial side mobile device 2 and the client mobile device 1 to perform remote contract signing. In this embodiment, step S26 includes steps S261 to S263. In step S261, the financial side business personnel provide the online electronic file and the explanation, provide the client applicant and/or the insured with review and electronic signature, and record and take screenshots when the customer electronically signs. In step S262, after the signature of each electronic file is completed, the financial side business personnel marks the digital evidence on the electronic file to generate a witnessed electronic file. In step S263, the financial side business personnel sends all the witnessed electronic files to the client's guarantor via email.

In step S27, the client applicant receives the electronic document after witnessing, prints out the paper document and seals it, then scans and uploads it to the financial system, and sends the printed paper document to the financial business personnel. Finally, after the financial side business personnel receive the printed paper document, they review it and submit it if there are no problems in order to start the insurance product validation process. In this embodiment, the financial end review supervisor can hold the financial end mobile device 2 and run the financial end APP to call up the entire video of any step or the screenshot taken at a specific time from the financial end host 3 for review, and start the insurance product if there are no problems in the review. Effective operation. In addition, the financial side review supervisor can also hold the financial side mobile device 2 to run the financial side APP to observe during any of the aforementioned steps.

Please refer to FIG. 4 , which is a specific architecture diagram of a device for remote identity authentication and insurance contracting according to an embodiment of the present invention. The client mobile device 1 includes a client login module 10 , a client invitation module 11 , a client communication module 12 , a client disabling module 13 and a client multi-language module 14 . The client login module 10 is used to allow the user to use the client mobile device 1 based on the account number and one-time password (OTP). The client invitation module 11 is used for reservation and invitation management of guaranteed time. The client communication module 12 is used for audio and video communication with the financial terminal mobile device 2 . The client disabling module 13 is used to prohibit recording and taking screenshots, and prohibits retaining any data on the client mobile device 1 . The client multi-language module 14 is used to provide a corresponding language operation interface according to the settings of the client personnel.

The financial terminal mobile device 2 includes a financial terminal login module 20, a financial terminal invitation module 21, a financial terminal communication module 22, a financial terminal signature module 23, a financial terminal mark module 24, a financial terminal location module 25, and a voice mark. Module 26, case closing module 27, clearing module 28 and financial multi-language module 29. The financial terminal login module 20 is used to allow the user to use the financial terminal mobile device 2 based on the account number and OTP. The financial side invitation module 21 is used for reservation and invitation management of guaranteed time. The financial terminal communication module 22 is used for audio and video communication with the client mobile device 1 and transmits images to the financial terminal host 3 . The financial side seal module 23 is used to retrieve the original bank seal from the financial side host 3 for comparison by the user of the financial side mobile device 2 . The financial side marking module 24 is used to mark the client personnel in the image with identification information based on the SBO list. The financial terminal location module 25 is used to capture the location information of the client's personnel based on the information of the client's mobile device 1 . The voice marking module 26 is used to identify and mark specific voices in the image. The case closing module 27 is used to transmit the temporarily stored video recordings and photographed screenshots to the financial terminal host 3 and delete the temporarily stored video recordings and photographed screenshots after the case is completed. The clearing module 28 is used to automatically clear temporarily stored video recordings and screenshots after a limited period (for example, 12 hours). The financial terminal multi-language module 29 is used to provide a corresponding language operation interface according to the settings of the financial terminal personnel.

The financial host 3 includes a search module 30 , a report module 31 , a forensic module 32 , an integration module 33 , a digital evidence marking module 34 , a database module 35 and a deletion module 36 . The search module 30 is used to search for online information based on customer information using AI technology. The reporting module 31 is used to generate CDD reports and/or SBO lists based on the searched network data. The forensic module 32 is used to perform basic credit and money laundering prevention preliminary examinations based on customer information. The integration module 33 is used to integrate and organize the images and voice tags of multi-person long-distance protection against multi-person segmentation. The digital evidence marking module 34 is used to mark digital evidence on the signed electronic file to generate a witnessed electronic file. The database module 35 is used to store case data. The deletion module 36 is used to automatically delete all data of the case after a specific period of time (for example, loan financial services are set to 5 years, purchase of financial services or insurance product financial services are set to 1 year) after the case contract is terminated.

Although the present invention has been disclosed above in terms of preferred embodiments, they are not intended to limit the present invention. Any person skilled in the art may make some modifications and modifications without departing from the spirit and scope of the present invention. Therefore, the present invention is The scope of protection shall be determined by the scope of the attached patent application.

1:Client mobile device 10: Client login module 11:Client invitation module 12:Client communication module 13: Client disables modules 14: Client multi-language module 2:Financial mobile device 20:Financial terminal login module 21:Financial invitation module 22:Financial communication module 23:Financial seal module 24:Financial terminal mark module 25:Financial terminal location module 26: Voice tag module 27:Case closure module 28: Clear the module 29:Financial terminal multi-language module 3:Financial host 30:Search module 31:Report module 32:Facha module 33: Integration module 34:Digital Evidence Marking Module 35: Database module 36:Delete module 4:Internet S11～S18, S141～S143, S151～S153, S161～S163, S171～S173: Each step of the remote identity authentication and security contract method according to an embodiment of the present invention S21～S27, S241～S243, S251～S253, S261～S263: steps of the remote identity authentication and security contracting method according to another embodiment of the present invention

Figure 1 is an architecture diagram of a device for remote identity authentication and insurance contracting according to an embodiment of the present invention; Figure 2 is a flow chart of a method for remote identity authentication and insurance signing according to an embodiment of the present invention; Figure 3 is a flow chart of a method of remote identity authentication and insurance signing according to another embodiment of the present invention; and Figure 4 is a detailed architecture diagram of a device for remote identity authentication and insurance contracting according to an embodiment of the present invention.

S11~S18, S141~S143, S151~S153, S161~S163, S171~S173: Each step of the remote identity authentication and security signing method according to an embodiment of the present invention

Claims (10)

A method of remote identity authentication and insurance signing, including: 1) Client personnel log in to the designated website to fill in customer information online and upload financial-side designated files; 2) The financial-side system uses artificial intelligence technology to search for online data based on customer information. Generate a customer due diligence report and a list of proposed substantial beneficiaries and store them in the financial system; 3) Financial personnel and client personnel invite insurance time through financial mobile devices and client mobile devices, where financial personnel use their respective accounts and The one-time password uses the financial side mobile device, and the client personnel use the client mobile device according to their respective accounts and one-time passwords; 4) The financial side personnel and the client personnel conduct audio and video communication through the financial side mobile device and the client mobile device to confirm the legal person or The identity of a natural person includes: 4-1) Client personnel run the client application with a client mobile device and take a photo of the original legal person registration certificate or natural person identity document; 4-2) Financial personnel operate the financial institution with a financial mobile device The terminal application receives the images sent from the client application to record and take screenshots; 4-3) The financial terminal application retrieves data from the financial terminal system to confirm whether the original of the legal person registration certificate or natural person identity certificate is provided by the government agency The information is the same; if the client is a legal person, the financial staff will further check whether the seal is the same as the original seal retained by the bank; 5) If the client is a legal person, the financial staff will further interact with the client through the financial process The device conducts audio and video communication with the client's mobile device to confirm the identity of the person in charge, including: 5-1) The person in charge of the client runs the client application on the client's mobile device and takes a photo of himself, compares it with the person with the identity document, and according to the financial Act according to the instructions of the terminal personnel; 5-2) The financial terminal personnel hold the financial terminal mobile device and run the financial terminal application to receive the images sent from the client application to record and take screenshots; 5-3) The financial side personnel use the financial side application to mark the identification information of the client personnel in the image based on the list of pseudo-substantial beneficiaries, and the financial side application captures the location information of the client personnel based on the information of the client's mobile device; 6) Financial terminal personnel and client personnel conduct audio and video communication through financial terminal mobile devices and client mobile devices to perform remote safeguards that can be carried out by multiple people against multiple people, including: 6-1) Client personnel hold client actions respectively The device runs the client application and takes a picture of itself, compares it with the identity document, and follows the instructions of the financial terminal personnel; 6-2) The financial terminal personnel holds the financial terminal mobile device and runs the financial terminal application to receive the client application The images sent by the program are recorded and screenshots are taken. The financial personnel mark the identification information of the client personnel in the images. The financial terminal application captures the location information of the client personnel based on the information of the client's mobile device; 7) The financial personnel and Client personnel conduct audio and video communication with the client mobile device through financial terminal mobile devices to perform remote signing, including: 7-1) Financial terminal personnel provide online electronic documents and explanations, provide client personnel with review and electronic signature, and sign with the client When the terminal personnel electronically sign, they will record videos and take screenshots; 7-2) After the signature of each electronic file is completed, the financial terminal personnel will mark the digital evidence on the electronic files to generate the witnessed electronic files; 7-3) The financial terminal personnel will record all the witnessed electronic documents. The final electronic document is sent to the client personnel via email; 8) The client personnel receives the electronic document after witnessing, prints out the paper document and seals it, then scans and uploads it to the financial system, and sends the printed paper document to To people on the financial side. The method of remote identity authentication and insurance signing as described in claim 1, wherein the actions performed in accordance with the instructions of the financial terminal personnel include posture changes or moving positions, reading out Chinese, English or numbers provided by the financial terminal personnel, and performing actions according to the instructions of the financial terminal personnel. Personnel requested real-time images of company house numbers, offices, or nearby street scenes. The method of remote identity authentication and insurance contracting as described in claim 1, wherein if the client is a legal person, the identification information includes the name, identity and shareholding ratio of the user of the client's mobile device; if the client is a natural person, The identification information includes the name and identity of the client mobile device user. The method of remote identity authentication and security signing as described in claim 1, wherein the client person's location information includes geographical longitude and latitude, predicted address, and network protocol address. The method of remote identity authentication and security signing as described in claim 1, wherein the online electronic documents include loan contracts and IOUs. The method of remote identity authentication and security signing as described in claim 1, wherein the digital evidence includes the client's name, geographical longitude and latitude, Internet protocol address, date and time, where the time includes hours, minutes and seconds. The method of remote identity authentication and insurance contracting as described in claim 1, wherein the client application prohibits recording and taking screenshots, and only transmits images to the financial application without retaining any data on the mobile device. The method of remote identity authentication and insurance contracting as described in request item 1, wherein the financial terminal application provides video recording and photographing screenshots, and after the case is completed, the temporarily stored video recording and photographing screenshots will be transmitted to the financial terminal system. Delete temporarily saved videos and screenshots, or automatically clear temporarily saved videos and screenshots after a limited period without retaining any data on the mobile device. A device for remote identity authentication and insurance contracting, including at least one client mobile device, at least one financial client mobile device and a financial client host; wherein, the client mobile device includes a client login module for Account number and one-time password to allow client personnel to use the client mobile device; a client invitation module for reservation and invitation management of guaranteed time; a client communication module for interacting with the financial client The device carries out audio and video communication; a client disable module is used to prohibit recording and taking screenshots, and prohibits retaining any data on the mobile device; The financial terminal mobile device includes a financial terminal login module, which is used to allow financial terminal personnel to use the financial terminal mobile device according to the account number and one-time password; a financial terminal invitation module, which is used to reserve and invite insurance time. Management; a financial terminal communication module, used for audio and video communication with the client mobile device, and transmitting images to the financial terminal host; a financial terminal seal module, used to retrieve the original bank seal from the financial terminal host , for comparison by financial terminal personnel using the financial terminal mobile device; a financial terminal marking module, used to mark the client personnel in the image with identification information based on a list of pseudo-substantial beneficiaries; a financial terminal location module, used for Capture the location information of the client based on the information on the client's mobile device; a voice tagging module for identifying and tagging specific voices in the image; and the financial host includes a search module for searching through the client's information based on the client's information. Artificial intelligence technology searches for Internet data; a reporting module is used to generate a customer due diligence report and a list of pseudo-substantive beneficiaries based on the searched Internet data; a legal search module is used to perform basic credit and verification based on customer information Preliminary review of money laundering prevention; a unified module for unifying and organizing the image and voice marking of multi-person to multi-person segmented remote security; a digital evidence marking module for electronic documents after signatures are completed Mark digital evidence to generate electronic documents after witnessing; among them, client personnel log in to the designated website to fill in customer information online and upload designated files on the financial side; the financial side system uses artificial intelligence technology to search online data based on customer information to generate customer due diligence The report and the list of proposed substantial beneficiaries are stored in the financial system; financial personnel and client personnel invite the guarantee time through financial mobile devices and client mobile devices. Financial personnel use the financial terminal according to their respective accounts and one-time passwords. Mobile devices, client personnel use the client mobile device according to their respective accounts and one-time passwords; financial personnel and client personnel conduct audio and video communication between the financial mobile device and the client mobile device to confirm the identity of the legal person or natural person; if the client is a legal person , the financial side personnel further confirmed the identity of the person in charge through audio and video communication with the client personnel through the financial side mobile device and the client mobile device. The financial side personnel used the financial side application to verify the client in the image based on the list of pseudo-substantial beneficiaries. Person mark identification information, the financial terminal application operates according to the client Capture the location information of client personnel from the information of mobile devices; financial terminal personnel and client personnel conduct audio and video communication through financial terminal mobile devices and client mobile devices to perform long-distance security that can be carried out by multiple people to multiple people in segments; financial terminal personnel The personnel and the client personnel conduct audio and video communication with the client mobile device through the financial terminal mobile device to perform remote signing; the client personnel receives the electronic document after witnessing, prints out the paper document and uses it, then scans and uploads it to the financial terminal system. And send the printed paper documents to the financial personnel. The equipment for remote identity authentication and insurance contracting as described in claim 9, wherein the financial terminal mobile device also includes a case closing module for transmitting temporarily stored video recordings and photo screenshots to the financial institution after the case is completed. The end host and deletes the temporarily stored video recordings and photo screenshots; a clearing module for automatically clearing the temporarily stored video recordings and photo screenshots after a limited period; and the financial end host also includes a database module for storing cases Data; a deletion module, used to automatically delete all case data after a specific period of time after the case contract is terminated.

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